Start earning tiered interest when your balance is $10,000 or more Superscript: 3 Superscript: 6 Unlimited Internet Banking Transactions 5 other ANZ Transactions fee-free each month (Fees and charges apply after that). Superscript: 2 If the balance falls below $10,000 then 0% interest will be earned Some transactions always incur fees, like overseas transaction fees and bank cheques Superscript: 7 Generally, ANZ won’t process a transaction that will overdraw your account. However, if your account is overdrawn, you may be charged interest Superscript: 8 This account is for personal use only. View our business accounts

2.Additional ANZ Transactions charged as: Electronic Transactions $0.50 each, and Staff Assisted Transactions $2.50 each. Other fees may apply (including non-ANZ ATM operator fees, overseas ATM fees and overseas transaction fees). Please refer to theANZ Personal Banking Account fees and Charges booklet (PDF)for definitions of ANZ Transactions, Electronic Transactions and Staff Assisted Transactions and and for fees and charges that apply.

3.The interest rate is tiered. This means that the balance of your account on each day determines the interest rate that applies to the whole balance of your account on that day.

4.The ANZ App is provided by Australia and New Zealand Banking Group Limited (ANZ) ABN 11 005 357 522. Super and Insurance (if available) are not provided by ANZ but entities which are not banks. ANZ does not guarantee them. This information is general in nature only and does not take into account your personal objectives, financial situation or needs. ANZ recommends that you read the ANZ App Terms and Conditions availablehere for iOS (PDF)andhere for Android (PDF)and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

5.Available when the sending and receiving accounts are capable of processing faster payments. Not available on some ANZ accounts, including ANZ Home Loans and ANZ Personal Loans. Technical interruptions may occur.

6.If the balance falls below $10,000 then 0% interest will be earned.